Regulatory Burden

Community banks across the country have long struggled to keep up with ever-increasing regulatory compliance and examiner demands. With the enactment of thousands of pages of Dodd-Frank Act rules, the problem is more acute than ever. President Trump and members of Congress have indicated their interest in addressing community banks’ regulatory burden.

ABA Position

ABA believes that policymakers must move away from one-size-fits-all regulation to tailored regulation that corresponds to a bank’s charter, business model, geography and risk profile. This policymaking approach avoids the negative economic consequences of burdensome, unsuitable and inefficient bank regulation.

To encourage action by the 115th Congress, ABA is asking bankers to submit real, personalized stories about how& a rule or requirement has impeded their ability to serve their customers.

ABA also is sharing detailed problems and proposed solutions with administration officials as they seek to address poorly tailored bank regulation and to promote economic growth.

Read about ABA's response to Executive Orders on bank regulation.




 Comment Letters


 Letters to Congress/Regulators




​Contact for further information: Eli Woerpel.